This is something I've struggled with in my writing, especially as someone who's done blogging and AP style writing for a news outlet... Sometimes I write a sentence that might end in a question mark, which shouldn't be a part of a quote and rather placing the punctuation mark outside of the quotes (or inside for that matter) I end up completely re-working the sentence to avoid the problem. But I would have to agree that it doesn't always make sense to stick so firmly to that grammar rule. It's nice to see that I'm not alone in that thought.